Pelatihan Literasi Keuangan Keluarga

Abstract

The low level of financial literacy in Indonesia, which only reached 49.68% (OJK, 2022), is one of the major challenges in inclusive economic development. This condition has a direct impact on poor family financial management, such as high dependence on illegal loans (loan sharks), minimal long-term financial planning, and vulnerability to financial risks. Data from Bank Indonesia (2023) shows that 67% of Indonesians do not have emergency funds, while 40% of families have difficulty meeting basic needs due to their inability to manage their income.

At the community level, this problem is even more critical in semi-urban areas such as Gedanganak Village, East Ungaran, where access to formal financial services is limited. The initial survey by the community service team showed that 72% of villagers did not understand the concept of effective interest, and 85% had never recorded monthly expenses. This is exacerbated by the lack of participatory and sustainable financial education interventions. This community service program is here to answer these problems through interactive training that focuses on: Income management, Savings strategies, debt management

The post-test results showed a significant increase in participants' understanding, with the average score jumping from 27.0 (pre-test) to 41.3 (scale 50). This proves that the participatory approach is more effective than the conventional lecture method.